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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,493 | $69,708-79.2% | $67,560-78.5% | $74,478-80.5% |
| Participation rate | 25.8% | 71.4%-45.6pp | 72.9%-47.1pp | 67.2%-41.4pp |
| Annual return | 16.94% | -40.67%+57.6pp | 3533.50%-3516.6pp | 1370.56%-1353.6pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $2,737-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,734 | $3,637-52.3% | $4,004-56.7% | $4,350-60.1% |
| Admin fee / account holder | $3,738 | $887+321.3% | $3,994-6.4% | $1,946+92.1% |